What is small business insurance?

Small business insurance refers to a variety of coverages that can help protect your business from claims or lawsuits resulting from property damage, professional errors, employee injuries and much more. It’s also sometimes referred to as business insurance, commercial insurance, or commercial business insurance.

Am I required to have it?

If your business has employees, most states require you to have workers’ compensation coverage. Leases and business contracts typically require that you carry liability coverage as well.

Types of small business insurance

Business Owners Policy

This policy includes coverage for general liability, property damage and business income. Learn more about our Business Owners Policy.

General Liability

This is required for most commercial leases. It covers common business risks like bodily injury, property damage and advertising injury. Learn more about General Liability insurance.

Commercial Excess

This coverage applies excess limits over your existing Business Owners or General Liability policy. Learn more about Commercial Excess benefits and coverage.

Other small business insurance products

Professional Liability

Sometimes known as errors and omissions, this coverage helps protect your business from claims of negligence or financial harm resulting from your professional service or advice. Learn more about professional liability insurance.

Cyber Liability

This policy helps businesses survive data breaches and cyberattacks by helping to cover recovery expenses and associated costs. Learn more about cyber liability insurance.

Workers' Compensation

This policy is usually required for any business that has employees. Workers' comp helps cover medical expenses and lost wages for work-related illnesses and injuries.

Commercial Auto

This coverage helps protect your business and the vehicles you use. Learn more about commercial auto insurance.

Small business insurance made easy

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We'll ask you about your type of business, revenue and number of employees.

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Select the policies you need based on your risks.

Get a quote.
You may receive a quote from USAA or the USAA Insurance Agency.

Why do I need business insurance?

Small business insurance can help protect you and your business from unexpected claims and lawsuits. Without it, you may be responsible for paying these expenses out of pocket. If you're not adequately covered, a large claim could potentially put you out of business. Let us help you find the right coverage for your business.

Discounts and Resources

Explore ways to help your business save money so you can invest in what really matters. Get discounts on pre-employment screening services, shipping and travel so that you can focus on your business and the bottom line.

See discounts and resources